it's an industry on people betting against themselves. you hope you never need it and the insurance companieses are not in the business of paying out claims and their goal is to keep the money you gave them. they don't want to pay it out and we're finding that people think they have a particular level of coverage but when you delve into their insurance policy, they may not necessarily have it. we see with flood insurance people have flood insurance for structure but not for content. >> right. >> but then what the insurance companies. >> or wind damage but as soon as the wind is over 74 miles an hour you don't have hurricane coverage. >> the insurance companies think structure of a house is not what the local building department says. so they say structure is your foundation and your roof. what makes the house habitable. but it doesn't include sheetrock, insulation, floors. we would not allow you to live in a house with those things. but the insurance companies said, that's not structure. >> the broader pron here is that insurance is a way